RETRACTED: Ecosystems in the financial environment as a digitalization trend Irina Tretyakova, Tatiana Kolmykova, Nadezhda Serebryakova, Elena Astapenko and Elena Kotsyurko E3S Web Conf., 549 (2024) 09006 Published online: 15 July 2024 DOI: 10.1051/e3sconf/202454909006